Research On The Current Situation, Causes And Countermeasures Of Non-performing Loans In Commercial Banks

Credit business has always been the traditional business and main asset allocation direction of commercial banks,the main source of income and profit.To ensure the quality of good credit assets,we can avoid losses caused by non-performing loans and maintain financial stability and national economic security.Since the fourth quarter of 2011,the quality inflection point of the credit assets of commercial banks in China has emerged.Before the end of the year,we have kept the decline path for many years.The non-performing loans have entered the exposure period and increased rapidly.The balance of non-performing loans and the rate of non-performing loans have appeared "double liter".Bad loans affect the structure and quality of commercial banks' assets and liabilities,which are related to loss preparation,profitability and capital adequacy ratio of commercial banks.The non-performing loan is an important perspective to evaluate the quality of a commercial bank's credit assets and the level of risk management.Therefore,it is of great significance to analyze the present situation of non-performing loans and find out the causes of the non-performing loans and put forward the corresponding countermeasures and suggestions to prevent and resolve the bad loans.This paper takes H bank as a case study.H bank is a joint-stock commercial bank,which has certain representativeness in the commercial bank system of our country,and the problem of H bank's bad loan is more serious in the cycle of credit risk exposure.Taking non-performing loans as the breakthrough point,this paper analyzes the management logic and evolution path of non-performing loans,the overall situation of H bank non-performing loans,the structure of non-performing loans,the trend of bad loan migration,the ability of non-performing loans and so on.It makes full use of the multi-dimensional index to make a study and judgment,and points out the capital caused by the bad loans of the H bank.In terms of the quality of production,the level of risk management is judged,and based on the above analysis,the quantitative forecast of the change trend of H bank's non-performing loans in the next two years is carried out to determine the influence of the change of non-performing loans on the profitability and capital adequacy of H banks.Based on the analysis,the main causes of the H bank's bad loans are the weak businesscycle ability,the excessive control and dividend of the large shareholders,the lack of full management of the credit risk,the identification and management of non-performing loans and the resistance to the strength of the venture capital,and the corresponding countermeasures and suggestions are put forward.